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kologram

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About kologram

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    Nonchalant Novice
  1. hahahahaha.... yeahhh to me fresh graduate will get a small salary for starting and no need go to work by car la i tell u trust me it will burden u... but if u found or somebody recommend u to use petrol brand that can save more, then u should be fine lorhh and dont forget to tell me too... hahahaha
  2. For my understand about the KLIBOR rate is the interest rate is update every 3 months... Or i explain in this way, let say u sign a loan on June June - September = the KLIBOR is fixed on the business day immediately before the first loan disbursement date October - December = interest rate is sets by adopting the 3-month KLIBOR rate which is fixed on the last business day of the 3 months period I prefer the KLIBOR as is more reflective the current market situation and the rate is full transparent
  3. wow, really like the service in Celcom First Elite member that can get Special Customer service in Blue Cube.. But this is just for the rich ppl, at least 1k per month usage, me not that lever yet
  4. Are u sure u wanna keep yourself entangled with debt in the first place???? Think twice!! Actually if u not a BIG BIG spender, hard for u to collect point and lastly just can get small gift on that!!! BTW do they have the discount for dinning??? Now many credit card come with such package!!
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